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Student Loan Wage Garnishment

Date: Mon, 02/09/2009 - 06:41

Submitted by anonymous
on Mon, 02/09/2009 - 06:41

Posts: 202330 Credits: [Donate]

Total Replies: 106

Student Loan Wage Garnishment


I just received a notice of proposed wage garnishment on my student loan in the mail. At this point I dont know what to do. Im a single person and cannot afford to pay 15% of my disposible income. I can barely afford my monthly bills as it is, I dont have a dime left in my savings and Im up to my ears in debt. With that being said, I was wondering what my options are? I spoke with the collections agency that holds this account a couple of months ago. They offered a repayment plan that could restore my loan but that was unaffordable to me as well. They didnt offer my any other options or agree on a more reasonable amount that I felt confident that I could pay each month. So now Im sending in my request for a hearing based on financial hardship in hopes of a lower repayment. My question on that is, Once i have submitted all the information they need regarding my income and monthly bills, what will happen next? If they decide that for some reason i am not facing financial hardship, will I still have the option of the repayment the collectors offered me or will I automatically have my wage garnished? HELP!!!


you should be dealing with a canadian student loan forum....this board is a US based board.
Even though I live in the US, my sister is in canada and works for revenue canada and I have questioned her on the canadian rules for student loans....not in great depth but it appears alot of the canadian rules mirror the us rules.


lrhall41

Submitted by SOAPLADY on Mon, 07/19/2010 - 07:46

( Posts: 17315 | Credits: )


I was wondering if there was any way to avoid having my tax return offset by the debt collector once I have already gone into garnishment?


lrhall41

Submitted by anonymous on Mon, 11/01/2010 - 14:40

( Posts: 202330 | Credits: )


i'm also wondering about the tax return thing..... if they keep any money i'm supposed to receive from my tax return i'm assuming it will go directly towards my principle etc. to lower it????

I'm also wondering... has anyone out there found any ways to consolidate their debt into one payment with a company that's willing to work with you??? I currently have three lenders with both private and federal loans. My mother co-signed some of the loans so I already pay about $200 month between 2 different lenders... and that is only for 2 loan dispersments! Several of my loans are now in default. I also have one lender that has already began to garnish my wages 15%. If I can get all these into one payment it would be awesome. I know I'll probably have to do two actual consolidations bc i can't combine my private and federal loans but what options are even out there????


lrhall41

Submitted by anonymous on Thu, 11/04/2010 - 09:46

( Posts: 202330 | Credits: )


I'm also wondering about the tax return thing.... if they take any money you should receive does it go directly towards your principle so that your loan decreases and the interest/fees will be lower or will they only apply it to fees???? the fees are what get you the most so I certainly hope it goes directly to the principle.....


lrhall41

Submitted by anonymous on Thu, 11/04/2010 - 09:52

( Posts: 202330 | Credits: )